Free legal and valuation fees
Our remortgage deals can come with additional benefits, such as free basic valuation and standard legal costs included.We really know our stuff
9 in 10 customers* think we’re ‘very knowledgeable’ and felt that ‘information was clearly explained’.Mortgages up to 95% LTV**
Deals available with just a 5% deposit.Flexibility as standard
You can make overpayments of up to 10% per year without an Early Repayment Charge and take payment holidays subject to our agreement.
And just so you know, we’ll always check that our mortgages are right for you before we make you an offer.
*These results are from a Virgin Money customer service survey carried out between November 2021 and January 2022.
**On mortgages available up to 95% LTV, you should consider that if house prices were to fall, you could owe more than the market value of your home, known as negative equity. This could restrict your ability to move home, remortgage to another lender or the products available.
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View our mortgages and find out how much your monthly payment could be.
Find your next mortgageWhy remortgage?
If you're new to remortgaging and you don't know where to start, check out our useful remortgage guides.
Remortgaging guides
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If your current mortgage deal is coming to an end, see if our new mortgage rates could save you money.
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Fancy a chat?
For a helping hand or some friendly mortgage advice, here's how to get in touch
New customers
Start your application
0345 605 0500
We're here Monday to Friday from 9am to 5pm, and Saturday from 9am to 1pm.
Existing mortgage customers
Call us on
0345 602 8301
We're here Monday to Friday from 9am to 5pm, and Saturday from 9am to 1pm.
Call charges and information
| Number | Cost |
|---|---|
| 03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
| 084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
| 087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
| 0800 numbers | Free from UK landlines and personal mobile phones. |
Frequently asked questions
To make things as straightforward as possible, it would be great if you have the following to hand for all applicants:
- Income details
- If employed you will need:
- Gross annual salary, bonus & overtime
- If you are self-employed:
- Last 2 years’ net profit/director’s salary.
- Last 3 months’ business bank statements.
- If employed you will need:
- UK address history for the last 3 years
- Details of your monthly expenditure (PDF, 80.05KB) (your bank statements will come in handy here)
Monthly Expenditure PDF opens in a new window Link opens in a new window - Details of any credit commitments (including payments, balances and interest rates)
- Pension payments from your payslip
- Details of any existing Life Insurance policies and have these documents to hand
After you’ve applied for your mortgage, you just need to sign and return the application form and pay any applicable fees.
Once returned to us, your application will be assessed by an underwriter, and we'll keep you updated throughout the process.
Your first mortgage payment will be due on the 7th of the month following completion.
Tools and information
Mortgage calculators and tools
Mystified by mortgages? Our helpful calculators and tools can help you.
Bank of England base rate changes
Information about changes to the base rate and how it may affect you.
Tariff of mortgage charges
This same document is being used across the industry to help customers compare mortgages.
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